3974 Ruth Ln, Cincinnati, OH 45211 Property Records

Hamilton County property record for 3974 Ruth Ln, Cincinnati, OH 45211

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,022 sqft · built 1938
Lot Size	0.112 acres (4,879 sqft)
Owner	Individual Name on File
Last Sale	$158,000 (Apr 2026)
Tax Bill	$2,355 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Jun 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`551-0001-0355-00`

Property Details

APN / Parcel Number

Primary APN	`551-0001-0355-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,022 sqft Living Area
Gross Area	3,066 sqft
1st Floor Area	1,022 sqft
Attic	Attic
Attic Area	1,022 sqft
Basement Area	1,022 sqft

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	4,879 sqft (0.112 acres)
Lot Dimensions	125 ft deep x 39.4 ft wide
Garage Type	Basement
Garage Area	1 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	3974 RUTH LN
City	CINCINNATI
State	OH
Zip	45211-3307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RUTH LANE 39.36 X 125 IRRPT LOT 17 PHILIP RUEBELS SUB
Legal Subdivision	PHILIP RUEBELS SUB
Legal Lot Number	17
Jurisdiction	HAMILTON OH
Township / Civil Division	CHEVIOT
Census Block Group	1
Census Block	1008
Census Tract	20901

Owner

3974 Ruth Ln is owned and occupied by an individual who bought it in April 2026.

Source: Hamilton County records, as of May 20, 2026

Owner of Record	Individual Name on File
Mailing Address	3974 RUTH LN, CINCINNATI, OH 45211-3307
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2026	Fiduciary Deed, Transfer · Conventional Mortgage HUNTINGTON NATIONAL BANK
Jun 5, 2020	Quit Claim Deed, Transfer · Line of Credit GENERAL ELECTRIC CU
Aug 7, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 13, 2026 · Amount on File
Deed Sale	Apr 13, 2026 · Amount on File
Prior Sale	Sep 23, 2003 · Amount on File
Deed Document Number	202627789
Deed Book / Page	15643 / 1802
Prior Transfer Date	Jun 2, 2020
Prior Transfer Doc	0000053118
Record Updated	Oct 29, 2026

April 2026: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	HAMILTON OH
Recording Date	Apr 13, 2026
Property Address	3974 RUTH LN, CINCINNATI, OH 45211-3307
Document Number	0000027789
Book / Page	15643 / 1802
Instrument Date	Apr 9, 2026
Instrument	2026.27789
Transaction Type	Transfer
Record Updated	May 21, 2026
Title Company	360 AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31,916.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3974 RUTH LN, CINCINNATI, OH 45211-3307
Investor	Possibly a Property Investor

Mortgage

Document Number	0000027790,
Date	Apr 13, 2026
Instrument	2026..27790

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON OH
Recording Date	Jun 5, 2020
Property Address	3974 RUTH LN, CINCINNATI, OH 45211-3307
Document Number	0000053118
Book / Page	014183 / 003366
Instrument Date	Jun 2, 2020
Instrument	53118
Transaction Type	Transfer
Record Updated	Jul 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1061 FASHION AVE CINCINNATI OH 452384206, CINCINNATI, OH 45238-4206

Mortgage

Document Number	53119
Date	Jun 5, 2020
Book Page	014183/003369
Instrument	53119

Lender

Name	GENERAL ELECTRIC CU
Type	Credit Union
Address	CINCINNATI, OH 45242

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	84 Months
Due	Jun 4, 2027

Interest

Rate Type	Adjustable Rate

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 7, 2018
Property Address	3974 RUTH LN, CINCINNATI, OH 45211-3307
Document Number	0000068944
Book / Page	013726 / 001198
Instrument Date	May 30, 2018
Instrument	68944
Transaction Type	Transfer
Record Updated	Oct 8, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1061 FASHION AVE CINCINNATI OH 452384206, CINCINNATI, OH 45238-4206

Tax Assessment & Valuation

The 2025 property tax bill for 3974 Ruth Ln was $2,355, up 0.1% from the year before.

Source: Hamilton County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Cheviot City
Unified School District	Cincinnati City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,355.00 (+0.13%)	$36,793 (+0.01%) Land $5,989 Building $30,804	$105,120 Land $17,110 Building $88,010
2024	$2,352.00 (-0.13%)	$36,791 (-) Land $5,988 Building $30,803
2023	$2,355.00 (+20.15%)	$36,791 (+38.6%) Land $5,988 Building $30,803	$105,120 Land $17,110 Building $88,010
2022	$1,960.00	$26,544 Land $5,180 Building $21,364
2020			$75,840 Land $14,800 Building $61,040

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3974 Ruth Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 22, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 3974 Ruth Ln has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CINCINNATI PUBLIC WATER SYSTEM serves 800,000 people · EPA ID OH3102612
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 711 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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